Construction Insurance in Bali – 5 Common Myths Expats Shouldn’t Believe
- Dewi Putri
- Mar 16
- 2 min read
Updated: Mar 17
Building in Bali? Whether it’s your dream villa, a rental property, or a small house, construction is a big investment. Still, many people skip insurance—not because they’re careless, but because of things they’ve heard.
Let’s break down the 5 myths we hear all the time—and why they’re simply not true.
Myth 1: “You only need insurance once the building is finished.”
This is one of the most common things we hear.People assume insurance is only for completed buildings.
But that’s actually when the risk is lowest. Fires, floods, theft, accidents—these things happen during construction. Construction All Risk insurance is there to protect your site, materials, and liability from day one.
Myth 2: “It’s the contractor’s responsibility, not mine.”
We get this a lot. And while it makes sense at first, here’s the reality:
If you’re the property owner, you're the one legally and financially responsible for what happens on your site. If a third party is injured or nearby property is damaged, the claim usually comes to you—not the builder.
Myth 3: “It’s too expensive construction insurance in Bali for my small project.”
Many people think insurance is only for big resorts.
Not true. Construction insurance is flexible and can be adapted to any project size. Whether you're building a guesthouse or just renovating, coverage can start from a few million rupiah. It's a small price to pay for full protection.
Myth 4: “I trust my builder—it’ll be fine.”
We hear this a lot—and it’s great that you trust your contractor.
But even the most reliable teams face problems. Faulty materials, heavy rain, fire, or theft can all cause delays or big losses. Insurance protects your investment, so one bad day doesn’t turn into a disaster. You need a construction insurance in Bali!
Myth 5: “Getting insurance is complicated in Bali.”
Many people assume the process will be confusing, or that it’s only for Indonesians.
That’s simply not the case. We guide you through the whole process. You just need to fill the form with complete documents with a few details. We take care of the rest—with clear pricing and full transparency.
Final Thoughts
You wouldn’t build without plans or a team—so don’t build without protection.
Construction All Risk insurance is affordable, simple to get, and could save you millions.